1040 Oak Knoll Rd, Lafayette, CA 94549 Property Records

Contra Costa County property record for 1040 Oak Knoll Rd, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,910 sqft · built 1962
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$1,235,000 (Oct 2018)
Tax Bill	$17,316 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`249-150-003-5`

Property Details

APN / Parcel Number

Primary APN	`249-150-003-5`
Alternative APN	`249-150-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,910 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1990
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1040 OAK KNOLL RD
City	LAFAYETTE
State	CA
Zip	94549-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	RO ACALANES
Legal Subdivision	ACALANES RHO
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1019
Census Tract	354002

Owner

1040 Oak Knoll Rd is owned and occupied by two individuals who bought it in October 2018.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Oct 19, 2018	Grant Deed, Transfer · ARM LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Deed Document Number	2018166088
Prior Transfer Date	Feb 17, 2004
Prior Transfer Doc	0000059814
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729

Mortgage

Document Number	0000341231
Date	Dec 17, 2021
Instrument	2021-341231

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TTL CO BERKELEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144451
Date	Jul 20, 2020
Instrument	2020-144451

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TTL CO BERKELEY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729

Mortgage

Document Number	0000267212
Date	Sep 27, 2021
Instrument	2021-267212

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 19, 2018
Property Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729
Document Number	0000166088
Instrument Date	Oct 12, 2018
Instrument	2018-166088
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1040 OAK KNOLL RD, LAFAYETTE, CA 94549-2729

Mortgage

Document Number	0000166089
Date	Oct 19, 2018
Instrument	2018-166089

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2023
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	5-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Oak Knoll Rd was $17,316 with a homeowner's exemption.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Lafayette City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Lafayette Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,430,713 (+2%) Land $910,261 Building $520,452
2025	$17,316.00 Homeowner's exemption	$1,402,661 Land $892,413 Building $510,248
2023	$16,460.00 (+1.56%) Homeowner's exemption	$1,324,166 Land $857,760 Building $466,406
2022	$16,207.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1040 Oak Knoll Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	10 (1980–2019)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Jan 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1040 Oak Knoll Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

May also be available: AT&T, Etheric Networks, Verizon.

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